12465 2ND STREET E UNIT 105B, TREASURE ISLAND, FL, 33706
Active122 days on marketListed Apr 2, 2026MLS #TB8482480
About this home
12465 2ND STREET E UNIT 105B
Experience the best of Florida beach living in beautiful Treasure Island! Famous for its sugar-sand beaches, stunning Gulf sunsets, waterfront dining, boating, and laid-back coastal lifestyle, Treasure Island is one of the area's most desirable destinations. Enjoy easy access to the Treasure Island Beach Trail, local marinas, waterfront restaurants, John's Pass Village, and the Treasure Island Fishing Pier—all just minutes from your front door. Located in the sought-after Isle of Capri community, this spacious end-unit tri-level townhome offers over 1,400 square feet with 2 bedrooms, 2.5 bathrooms, a split-bedroom floor plan, new luxury vinyl flooring, recessed lighting, new windows (2022), and an oversized lower-level bonus room perfect for a guest suite, home office, gym, or potential third bedroom. Relax with coastal breezes from the screened lanai or private balcony. Appliances are included, and furniture is optional. Enjoy maintenance-free living in Chalet Capri with a community pool and an HOA that delivers exceptional value by including building insurance, flood insurance, Spectrum cable and internet, and professional landscaping—providing significant monthly savings and peace of mind while eliminating many of the major expenses of coastal homeownership. Best of all, you're just a short walk or bike ride to the beach—no searching or paying for beach parking! Whether you're looking for a full-time residence, vacation getaway, or investment opportunity, this home offers the perfect blend of location, lifestyle, and value.
Facts & features
The home at a glance
2
Bedrooms
2.5
Bathrooms
1,445
Sqft
0.64 ac
Lot size
1
Garage
1982
Year built
Two
Levels
$221
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.
$3,903 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$3,903/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
−34.6%
$/sqft vs Treasure Island actives
$221 vs $522
Days on market
122 vs 74 typical
Where $221/sqft sits among the 171 Treasure Island actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Capri Isle
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Treasure Island. See the full Treasure Island guide →
Capri Isle — neighborhood snapshot
Population
1,978
Median age
60
Median income
$129,262
Median home value
$668,850
Avg household
2
Households w/ children
44%
For the school run
Pinellas County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Treasure Island market
$685K → $648K
Treasure Island median sold, yr/yr
93.5%
Sale-to-list ratio (12 mo)
96 of 171
Treasure Island actives have cut their price
Median sold price, Treasure Island, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 29% below the TREASURE ISLAND 33706 median. See the full Treasure Island market guide →
Paper trail
This home's history
Reality check
What actually sold near 12465 2ND STREET E UNIT 105B
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Sep ’25$365,000
11130 3RD STREET E
3 bd · 2 ba · 1,465 sqft · $249/sqft · 44 DOM
Sold · Apr ’26$540,000
37 DOLPHIN DRIVE UNIT A
2 bd · 2 ba · 1,418 sqft · $381/sqft · 202 DOM
Sold · Jul ’26$485,000
10126 E 4TH STREET E
3 bd · 2 ba · 1,482 sqft · $327/sqft · 9 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 12465 2ND STREET E UNIT 105B — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 12465 2ND STREET E UNIT 105B — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to David's phone and CRM.
Straight answers
12465 2ND STREET E UNIT 105B FAQs
What would the monthly payment be for 12465 2ND STREET E UNIT 105B?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,903/mo — principal and interest, the actual property-tax bill, the $1,270/mo association fee and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
How much are the HOA fees at 12465 2ND STREET E UNIT 105B?+
The association fee works out to $1,270 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 12465 2ND STREET E UNIT 105B?+
The most recent tax bill on record (2025) was $5,452. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 12465 2ND STREET E UNIT 105B?+
The listing reports pets: Dogs OK, Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Treasure Island?+
At $319,000, this home is listed about 52% below the Treasure Island median of $659,000. The market section on this page shows how the area is trending.
Which schools are assigned to 12465 2ND STREET E UNIT 105B?+
Azalea Middle School (middle), Azalea Elementary School (elementary), Boca Ciega High School (high) — Pinellas County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Under the TREASURE ISLAND 33706 market on paper
$319,000 is 29% below the TREASURE ISLAND 33706 median of $450,000, and at $221/sqft it sits under the Treasure Island average of $638.
02Know the monthly fee
The association fee is $1,270/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
03Strong assigned schools
Azalea Middle School, Azalea Elementary School, Boca Ciega High School — Azalea Elementary School rates 4 of 5. Always verify assignments with the district.
04The price has already moved
Listed at $350,000, now $319,000 — a $31K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of MARK SPAIN REAL ESTATE · Amber Browder. MLS #TB8482480.
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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